A debtor state is a state that will not garnish wages or place leans on homes in the case of unpaid debts/bills ! There is not such a thing as a "debtor state" there are states that are considered "debtor friendly" rather than "creditor friendly" meaning that the states have existing laws that favor the debtor rather than the creditor when it relates to bankruptcy and lawsuits for monies owed. This does not necessarily mean that wages cannot be garnished, assets cannot be seized nor liens placed against real property, it simply means the debtor can sometimes avoid such action or can protect a large portion of his or her real and personal property.
The creditor will need to sue the debtor in his or her state court to obtain a writ of judgment that can then be executed as a wage garnishment against the debtor in the debtor's state, (in this case, Georgia). Even in cases where the lender chooses and wins arbitration, a civil judgment must be obtained from the state court in the county where the debtor resides and must be executed in the manner allowed under the laws of the debtor/s state.
The term refers to a state's laws that appear to offer a debtor who defaults on financial commitments more protection against creditors. The definition of such would depend upon the type of debts, the circumstances of those debt(s) and how the laws relate to his or her situtation. FYI, There are no community property states that could be defined as "debtor friendly".
Texas, Florida, Iowa, Nevada
... Alabama
No, Auburn is a city in the state of Alabama.
Florida is generally referred to as a "debtor friendly" state. State law provides for unlimited homestead exemption, which protects the primary residence from attachment or forced sale by unsecured creditors. Not foreclosure proceedings by a mortgage holder that is a different matter. The state laws pertaining to wage garnishment and many other exemptions also favor the consumer/debtor.
Texas does not allow wage garnishment. Texas is known as a debtor friendly state. This means the exemptions are so liberal the average debtor is judgment proof. You sound very upset..please e-mail me if you think I can be of further help.
Alabama is a state, not a city.
It is the Capital of the US State of Alabama and a former Capital of the Confederate States of America.
Alabama
The abbreviation for the state of Alabama is AL.